Oh Rose,

I'm sorry - creditor calls are so unsettling. I'd get credit advice, there's often free credit counseling advice available.

I declared bankruptcy last year - I was in a similar space, no job for 2 years, a lot of debt, minimal assets, and very low income from what I could withdraw from my retirement account, which was protected from creditors.

Bankruptcy isn't for everyone and I know laws vary from place to place, but it was a good decision for me. It got the creditors off my back, and since my income was so low, I didn't have to repay any debt. Yes it messed up my credit rating, but once I get a job again, I'll work on rebuilding it.

splitimage